Im fitting a new tyre 150/80 15 but there is only 1 motorcycle shop within a 40 mile radius and they charge the earth for anything so i got a tyre from a regular car tyre centre the problem is they aren't insured for taking the wheel off the bike nor do they balance it. So im taking the wheel off myself blah blah blah but balancing is a bit of a worry can i get a way with it or do I have to bite the bullet and pay extortionate rates to get the tyre balanced?

I've changed a lot of tires mainly years ago never balance them never could feel a difference but once I try a bike out pretty good, hardly ever went over the speed limit.

Having never had spoked wheels before I take it these tyres have inner tubes if so do i have to change the inner tube at the same time as the tyre  or what?

I never changed tubes in bikes when I change tires.

Changing the tube is good insurance, but I didn't do it the last time I mounted one.

Balancing is easy man.. You need 2 jackstands and your axle. It doesn't even have to be perfectly level, as long as the wheel will spin without hitting anything.
Put the axle thru the wheel, rest it between 2 jackstands (or whatever it takes to suspend the wheel), give it a little spin & see where it lands. The heaviest spot will always come to rest at the bottom. Try it 2 or 3 times & you'll know. If it always stops at random spots, well then it's already balanced.
Check the balance of the wheel without a tire on it first. Mark the heaviest spot (bottom). Line up the little paint dot on your new tire (lightest spot from factory) with the spot you marked on your wheel. That will get you as close as possible from the get-go & usually that's all you need. Give it a good couple spins and add weight if you think you need it, but you probably won't...